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Punjab National Bank operates as a commercial bank. The company is headquartered in New Delhi, Delhi and currently employs 104,118 full-time employees. The company went IPO on 2002-04-26. The Bank's segments include Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank's product categories includes personal, corporate, international and capital services. Its personal products include deposit, loans, approved housing projects, apply for OTS in NPA, accounts, insurance, government business, financial inclusion and priority sector. Its corporate products include corporate loans, forex services offered to exporter and importer, cash management services and gold card scheme for exporters. Its international products include FX retail platform, LIBOR transition, schemes/products/services, NRI services, help desk for forex services, world travel card, foreign office details, trade finance redefined portal and outward remittance under LRS. Its capital services products include depository services, mutual funds, merchant banking and application supported by blocked amount.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹42,703 Cr on total income of ₹184,300 Cr.
Cost-to-income ratio at 51.8%. Provision coverage at 1.3% of income.
“Net profit of the bank for Q3 for FY 2026 stands at INR 5,100 crores as against INR 4,508 crores of Q3 of last year, depicting healthy YOY growth rate of 13.”
“For Q4, we expect our NIM to remain at the same level as that of Q3 despite full impact of December rate cut in Q4.”
“And so my other question was on ECL.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 12.3%▲ | 11.5% |
| Net Margin | 9.3%▼ | 12.1% |
| EBITDA Margin | 77.0%▲ | 67.3% |
| Debt To Equity | 11.50x▲ | 8.01x |
| Rev Growth 3yr | 14.7%▲ | 14.4% |
| EPS Growth 3yr | 74.0%▲ | 23.3% |
| NIM | 3.5%▼ | 390.0% |
| Cost To Income | 51.8% | - |
| Credit Deposit Ratio | 71.80x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹90,992 Cr +4.9% | ₹86,757 Cr +13.4% | ₹76,516 Cr +32.5% | ₹57,742 Cr +18.1% | ₹48,874 Cr -9.0% | ₹53,683 Cr +48.5% | ₹36,156 Cr +2.1% | ₹35,416 Cr |
| Income on Investments | ₹34,511 Cr +7.0% | ₹32,241 Cr +10.5% | ₹29,187 Cr +10.5% | ₹26,402 Cr +7.9% | ₹24,471 Cr -3.5% | ₹25,347 Cr +57.5% | ₹16,094 Cr +10.1% | ₹14,622 Cr |
| ₹17,629 Cr +7.2% | ₹16,447 Cr +23.4% | ₹13,329 Cr +8.9% | ₹12,240 Cr +1.2% | ₹12,098 Cr -7.8% | ₹13,124 Cr +39.8% | ₹9,388 Cr +27.4% | ₹7,367 Cr | |
| Total Income | ₹1.49 Lakh Cr +6.4% | ₹1.40 Lakh Cr +14.8% | ₹1.22 Lakh Cr +23.5% | ₹99,085 Cr +12.2% | ₹88,339 Cr -7.0% | ₹94,991 Cr +47.7% | ₹64,306 Cr +8.1% | ₹59,515 Cr |
| Interest Expended | ₹88,824 Cr +10.1% | ₹80,704 Cr +17.8% | ₹68,534 Cr +32.3% | ₹51,817 Cr +10.7% | ₹46,823 Cr -7.8% | ₹50,805 Cr +37.3% | ₹36,997 Cr +6.8% | ₹34,656 Cr |
| Employee Cost | ₹18,363 Cr -14.8% | ₹21,549 Cr +15.6% | ₹18,643 Cr +24.8% | ₹14,943 Cr +24.8% | ₹11,972 Cr -2.6% | ₹12,297 Cr +74.2% | ₹7,060 Cr +0.2% | ₹7,048 Cr |
| Other Operating Expenses | ₹12,321 Cr +12.0% | ₹11,002 Cr +8.2% | ₹10,166 Cr +8.2% | ₹9,393 Cr +10.3% | ₹8,519 Cr +3.6% | ₹8,219 Cr +61.5% | ₹5,090 Cr +9.7% | ₹4,642 Cr |
| Provisions & Contingencies | ₹2,693 Cr +134.2% | ₹1,150 Cr -90.2% | ₹11,719 Cr -35.1% | ₹18,071 Cr +10.0% | ₹16,431 Cr -17.4% | ₹19,886 Cr +38.8% | ₹14,331 Cr -49.8% | ₹28,534 Cr |
| Total Expenditure | ₹1.20 Lakh Cr +5.5% | ₹1.13 Lakh Cr +16.3% | ₹97,343 Cr +27.8% | ₹76,153 Cr +13.1% | ₹67,314 Cr -5.6% | ₹71,320 Cr +45.1% | ₹49,148 Cr +6.0% | ₹46,345 Cr |
| Profit Before Tax | ₹27,216 Cr +4.5% | ₹26,053 Cr +95.4% | ₹13,332 Cr +174.2% | ₹4,861 Cr +5.8% | ₹4,595 Cr +21.4% | ₹3,784 Cr +357.6% | ₹827 Cr ↑ Recovery | (₹15,365 Cr) |
| Tax | ₹6,614 Cr -23.2% | ₹8,613 Cr +72.2% | ₹5,003 Cr +179.2% | ₹1,792 Cr +95.1% | ₹919 Cr -43.7% | ₹1,632 Cr +252.0% | ₹464 Cr ↑ Recovery | (₹5,338 Cr) |
| Net Profit | ₹20,603 Cr +18.1% | ₹17,440 Cr +109.4% | ₹8,329 Cr +171.4% | ₹3,069 Cr -16.5% | ₹3,676 Cr +70.8% | ₹2,152 Cr +492.4% | ₹363 Cr ↑ Recovery | (₹10,026 Cr) |
| Profit (Owners) | ₹22,088 Cr +19.5% | ₹18,480 Cr +102.9% | ₹9,107 Cr +172.0% | ₹3,348 Cr -13.3% | ₹3,861 Cr +50.7% | ₹2,562 Cr +484.3% | ₹438 Cr ↑ Recovery | (₹9,570 Cr) |
| Minority Interest | ₹47 Cr -35.2% | ₹72 Cr +44.8% | ₹50 Cr +383.5% | ₹10 Cr -78.0% | ₹47 Cr -64.7% | ₹133 Cr +185.3% | ₹46 Cr +131.4% | ₹20 Cr |
| EPS | ₹19.22 | ₹16.08 | ₹8.27 | ₹3.04 | ₹3.51 | ₹2.45 | ₹0.65 | (₹20.79) |
| Diluted Shares | ₹1,149 Cr | ₹1,149 Cr | ₹1,101 Cr | ₹1,101 Cr | ₹1,101 Cr | ₹1,048 Cr | ₹674 Cr | ₹460 Cr |
| Other Interest | ₹1,665 Cr +11.5% | ₹1,493 Cr +177.2% | ₹539 Cr -32.0% | ₹792 Cr +30.1% | ₹609 Cr -34.8% | ₹934 Cr +578.1% | ₹138 Cr -19.7% | ₹172 Cr |
| Profit Loss Of Associates | ₹1,532 Cr +37.6% | ₹1,113 Cr +34.4% | ₹828 Cr +186.2% | ₹289 Cr +25.0% | ₹232 Cr -57.3% | ₹542 Cr +345.9% | ₹122 Cr -74.5% | ₹476 Cr |
| Interest (RBI & Others) | ₹4,621 Cr +31.3% | ₹3,519 Cr +24.7% | ₹2,823 Cr +47.8% | ₹1,910 Cr -16.5% | ₹2,288 Cr +20.3% | ₹1,902 Cr -24.8% | ₹2,531 Cr +30.6% | ₹1,937 Cr |
Punjab National Bank has informed the Exchange about Review of Interest Rate
Punjab National Bank has informed the Exchange regarding Outcome of Board Meeting held on July 29, 2026.
Punjab National Bank has informed the Exchange about Transcript
Punjab National Bank has informed the Exchange about Link of Recording
Punjab National Bank has informed the Exchange regarding a press release dated July 18, 2026, titled "Press Release on the Financial Results for the quarter ended 30.06.2026 ".
Punjab National Bank has informed the Exchange about Investor Presentation
Punjab National Bank has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Punjab National Bank has informed the Exchange about Punjab National Bank has informed the Exchange about Certificate of Compliance with Cybersecurity and Cyber Resilience Framework for SEBI Regulated...
Punjab National Bank has informed the Exchange about General Updates
Punjab National Bank has informed the Exchange about Registrar & Share Transfer Agent Update
Punjab National Bank has informed the Exchange about Schedule of meet
Punjab National Bank has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulatio...
Punjab National Bank has informed the Exchange regarding Cessation of Mr Bibhu Prasad Mahapatra as Executive Director of the company w.e.f. July 01, 2026.
Punjab National Bank has informed the Exchange regarding Proceedings of Annual General Meeting held on Jun 20, 2026
Punjab National Bank has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulatio...